Rate checked November 9, 2026 (today)
BMO 3-year CD rate: 0.75% APY
BMO's 3-year CD pays 0.75% APY. That ranks 56th of the 67 banks we track for this term. The best is 4.90% at Merrick Bank.
- APY
- 0.75%
- Last change
- None yet
- Tracked since Nov 9, 2026
- Last checked
- today
- Nov 9, 2026
What it earns on $25,000
At 0.75%, $25,000 earns about $188 in the first year.
The best 3-year CD earns about $1,225 on the same money. Choosing BMO instead gives up about $1,037 a year.
The middle 3-year rate across 67 banks is 3.20%. Figures are first-year interest at the quoted APY, before taxes.
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BMO 3-year CD rate history
We have tracked this rate since November 9, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| November 9, 2026 | 0.75% | First tracked |
Banks that pay more for a 3-year CD
- Merrick Bank4.90%
- Quorum Federal Credit Union4.90%
- BTG Pactual Bank4.85%
BMO CD rates for other terms
Other BMO rates
- BMO savings rate0.01%
Questions
What is BMO's 3-year CD rate?
BMO pays 0.75% APY on its 3-year CD, based on its own rate page when we last checked. That earns about $188 a year on $25,000.
Is BMO's 3-year CD rate good?
It ranks 56th of the 67 banks we track for this term. The best rate for this term is 4.90% at Merrick Bank, and the middle rate is 3.20%. Choosing BMO over the best costs about $1,037 a year on $25,000.
Which banks pay more than BMO on a 3-year CD?
Merrick Bank (4.90%), Quorum Federal Credit Union (4.90%), BTG Pactual Bank (4.85%).
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General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.